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Return on Retained Earnings (RORE) is an indicator of a company's growth potential, it shows how much a company earns by reinvesting its retained earnings, i.e. profits after dividend payments.
Humm Group's 3-Year RORE % for the quarter that ended in Dec. 2025 was 142.31%.
The industry rank for Humm Group's 3-Year RORE % or its related term are showing as below:
ASX:HUM's 3-Year RORE % is ranked better than 94.39% of 517
companies
in the Credit Services industry
Industry Median: 8.11
vs ASX:HUM: 142.31
Humm Group (ASX:HUM) 3-Year RORE % Explanation
Return on Retained Earnings (RORE) is important to investors because it reveals a company's efficiency and growth potential. A higher RORE indicates a higher return. A high RORE indicates that the company should reinvest profits into the business. A lower RORE suggests that the company should distribute profits to shareholders by paying out dividends, since those dollars aren't generating much additional growth for the company.
There are a several different ways to arrive at the Return on Retained Earnings. The simplest way to calculate it is by using published information on Earnings per Share (EPS) and Dividend per Share (DPS) over a selected period. Here, 3-year period is chosen.
Be Aware
Please keep in mind that the RORE is relative to the nature of the business and its competitors. If another company in the same sector is producing a lower return on retained earnings, it doesn’t necessarily mean it’s a bad investment. It may just suggest the company is older and no longer in a high growth stage. At such a stage in the business cycle, it would be expected to see a lower RORE and higher dividend payout.
Humm Group 3-Year RORE % Related Terms
Humm Group 3-Year RORE % Historical Data
* Premium members only.
The historical data trend for Humm Group's 3-Year RORE % can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Credit Services subindustry, Humm Group's 3-Year RORE %, along with its competitors' market caps and 3-Year RORE % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Humm Group 3-Year RORE % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Humm Group's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where Humm Group's 3-Year RORE % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
In the calculation of 3-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Dec. 2025 and 3-year before.
Humm Group (ASX:HUM) has a 3-Year RORE % of 142.31 as of Dec. 2025. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Humm Group and its competitors. According to the industry distribution chart, Humm Group ranks #29 out of 517 companies in the Credit Services industry, placing it in the top 5.6%.
Is Humm Group's 3-Year RORE % too high?
Humm Group's current 3-Year RORE % is 142.31. The Credit Services industry median 3-Year RORE % is 8.11. Humm Group's value of 142.31 is 1654.7% above this industry median. Based on the distribution chart, Humm Group ranks #29 out of 517 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Humm Group has a GF Score™ of 42/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Humm Group's 3-Year RORE % compare to V and MA?
According to the Credit Services industry distribution chart, Humm Group ranks #29 out of 517 companies for 3-Year RORE %. This places Humm Group in the top 6% of its industry — outperforming the majority of peers. The industry median 3-Year RORE % is 8.11. Humm Group's value of 142.31 is 1654.7% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year RORE % for a Credit Services company?
The median 3-Year RORE % among Credit Services companies is 8.11, based on 517 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year RORE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Humm Group's current 3-Year RORE % of 142.31 is 1654.7% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year RORE % mean?
A high 3-Year RORE % can signal that a stock is expensive relative to its fundamentals. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Humm Group and its competitors. For the Credit Services industry, the median 3-Year RORE % is 8.11 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Humm Group's current 3-Year RORE % is 142.31. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Humm Group stock overvalued right now?
Based on GuruFocus' analysis, Humm Group (ASX:HUM) is currently considered Modestly Undervalued. The stock's GF Value™ is A$0.62, compared to a current price of A$0.47 — trading 25% below its estimated fair value. The current 3-Year RORE % is 142.31 and 1654.7% above the Credit Services industry median of 8.11. Humm Group's overall GF Score™ is 42/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year RORE % calculated?
3-Year RORE % is calculated from a company's financial statements. For Humm Group (ASX:HUM), the current 3-Year RORE % is 142.31 as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Humm Group (ASX:HUM) Overvalued in 2026?
Based on GuruFocus' analysis, Humm Group stock appears to be undervalued.
The current stock price of A$0.47 is trading 25% below its estimated GF Value™ of A$0.62.
GuruFocus considers Humm Group to be Modestly Undervalued.
Key valuation signals for ASX:HUM:
3-Year RORE %: 142.31
GF Value™: A$0.62 vs. price of A$0.47 (25% below fair value)
Industry Position: 1654.7% above the Credit Services median (#29 of 517)
No single metric tells the full story. See the ASX:HUM stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Humm Group Ltd is a diversified financial services company that provides instalment plans which enable businesses and consumers to make large purchases. hummgroup operates in Australia, New Zealand, Ireland, Canada and the United Kingdom. Its principal activities inlcude Commercial Lending in Australia and New Zealand; Point of Sale Payment Plans; Australia Cards (humm90); and New Zealand Cards (including Farmers Finance Card, Farmers Mastercard, Q Card, Q Mastercard and Flight Centre Mastercard). Its segment includes: Commercial; PosPP; Cards NZ; Cards AU; and Corporate.
42GF Score
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3-Year RORE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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